Business Credit Score
A score reflecting a business's creditworthiness, based on its own payment history and financial activity, separate from the owner's personal credit score.
Business credit scores are calculated by commercial credit bureaus using factors like payment history with vendors and lenders, credit utilization, and business age, and different bureaus use different scoring models and ranges.
Building a business credit profile, separate from personal credit, can help a business qualify for financing and trade credit on its own standing over time, reducing how much weight is placed on the owner’s personal credit alone.
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